1. Pearson Insurance Services
City/Town: Northampton
Postal Code: NN1 5LP
Street Address: Suite 19f, Mobbs Miller House, Ardington Rd
Country: England, UK
2. Excel Insurance
City/Town: Northampton
Postal Code: NN1 5LP
Street Address: Suite 19f, Mobbs Miller House, Ardington Rd
Country: England, UK
3. Howard Bethel Financial Services
City/Town: Telford
Postal Code: TF3 2NR
Street Address: 2 Cotswold Drive
Country: England, UK
4. Nova Security Systems Ltd
City/Town: Manchester
Postal Code: M27 8TQ
Street Address: 265 Rivington Crescent
Country: England, UK
5. S.E. Robinson Scaffolding Ltd
Address: Not listed
6. Business Insurance Service
City/Town: Brighton
Postal Code: BN1 1YR
Street Address: Tower Point 44 North Rd
Country: England, UK
7. AIG Insurance
City/Town: London
Postal Code: EC3A 6HX
Street Address: 1 St. Helens Place
Country: England, UK
8. Peter E. Brown Insurance
City/Town: Harpenden
Postal Code: AL5 2RP
Street Address: 44 High St
Country: England, UK
9. Hiscox Insurance
City/Town: London
Postal Code: EC3A 6HX
Street Address: 1 Great St. Helens
Country: England, UK
10. Hastings Direct Insurance
City/Town: London
Postal Code: NW1 7PZ
Street Address: 5 Parkway
Country: England, UK
11. Jacksons Insurance
City/Town: Blackburn
Postal Code: BB2 1HP
Street Address: 5 Church St
Country: England, UK
12. Flexi Insurance
City/Town: Sidcup
Postal Code: DA14 4HT
Street Address: 121 Bexley Rd
Country: England, UK
13. Coverbox Insurance
City/Town: London
Postal Code: SE1 3HN
Street Address: 1 Leathermarket St
Country: England, UK
14. Direct Line Insurance
City/Town: Woking
Postal Code: GU22 7PY
Street Address: 6 Dean Rd
Country: England, UK
15. Lloyds Insurance
City/Town: London
Postal Code: EC3M 5AL
Street Address: 10 Fenchurch Ave
Country: England, UK
16. Aviva Insurance
City/Town: London
Postal Code: EC4R 1AG
Street Address: 10 Queen St Place
Country: England, UK
17. Admiral Insurance
City/Town: Cardiff
Postal Code: CF14 5EB
Street Address: 10 Ty Glas Rd
Country: England, UK
18. AXA Insurance
City/Town: London
Postal Code: EC3M 4AB
Street Address: 60 Fenchurch St
Country: England, UK
19. Saga Insurance
City/Town: Woking
Postal Code: GU21 5BH
Street Address: 10 Dukes Court
Country: England, UK
20. InsuranceFactory.co.uk
City/Town: Maidenhead
Postal Code: SL6 1QQ
Street Address: 2 Bracknell Rd
Country: England, UK
21. More Than Insurance
City/Town: London
Postal Code: WC1X 8BB
Street Address: 22 Gray’s Inn Rd
Country: England, UK
22. Allianz Insurance
City/Town: London
Postal Code: EC3M 4AB
Street Address: 70 Fenchurch St
Country: England, UK
23. Geico Insurance
City/Town: London
Postal Code: EC3M 4AB
Street Address: 20 Fenchurch Street
Country: England, UK
24. Legal & General Insurance
City/Town: London
Postal Code: EC2R 5AA
Street Address: 1 Coleman Street
Country: England, UK
25. Bupa Insurance
City/Town: Portsmouth
Postal Code: PO6 3FJ
Street Address: 4 Floor, 1000 Lakeside, North Harbour
Country: England, UK
26. Nationwide Insurance
City/Town: London
Postal Code: EC2R 8AW
Street Address: 1 Threadneedle St
Country: England, UK
27. LV= Insurance
City/Town: London
Postal Code: EC3R 7AA
Street Address: 1 Minster Court, Mincing Lane
Country: England, UK
28. Zurich Insurance
City/Town: Norwich
Postal Code: NR2 1AD
Street Address: 7th Floor, 1-5 St Andrews Hill
Country: England, UK
29. Churchill Insurance
City/Town: Woking
Postal Code: GU22 7HX
Street Address: 72 High St
Country: England, UK
30. RSA Insurance
City/Town: London
Postal Code: EC3M 3AZ
Street Address: 20 Fenchurch Street
Country: England, UK
31. Sainsbury’s Bank Insurance
City/Town: London
Postal Code: EC1N 2HT
Street Address: 33 Holborn
Country: England, UK
32. M&S Bank Insurance
City/Town: London
Postal Code: EC4A 4AF
Street Address: 35 Farringdon Street
Country: England, UK
33. BGL Group Insurance
City/Town: Peterborough
Postal Code: PE2 6YS
Street Address: Pegasus House, Bakewell Rd, Orton Southgate
Country: England, UK
34. Higos Insurance Services
City/Town: Ilminster
Postal Code: TA19 0AN
Street Address: 12A Market Square
Country: England, UK
35. Barbon Insurance Group
City/Town: Harrogate
Postal Code: HG3 2XA
Street Address: 1 Pateley Court
Country: England, UK
36. Towergate Insurance
City/Town: Basingstoke
Postal Code: RG21 7QF
Street Address: 1 Church Rd
Country: England, UK
37. Covea Insurance
City/Town: London
Postal Code: EC3M 4JH
Street Address: 53 Fenchurch St
Country: England, UK
38. John Lewis Insurance
City/Town: London
Postal Code: SW1E 5NN
Street Address: 171 Victoria St
Country: England, UK
39. Green Insurance
City/Town: London
Postal Code: SE5 9PU
Street Address: 84 Ashford Rd
Country: England, UK
40. Direct Insurance
City/Town: Luton
Postal Code: LU1 2NG
Street Address: 45 High St
Country: England, UK
41. St. James’s Place Insurance
City/Town: London
Postal Code: W1J 5EX
Street Address: 10 Queen’s Walk
Country: England, UK
42. Swinton Insurance
City/Town: Manchester
Postal Code: M2 6AW
Street Address: 48-54 King Street
Country: England, UK
43. Cigna Insurance
City/Town: London
Postal Code: EC2N 1HQ
Street Address: 10th Floor, 23 Old Broad Street
Country: England, UK
44. Marsh Insurance
City/Town: London
Postal Code: EC3R 5BU
Street Address: 1 Tower Place
Country: England, UK
45. Axa PPP Healthcare
City/Town: London
Postal Code: EC2N 1AD
Street Address: 5 Old Broad Street
Country: England, UK
46. Esure Insurance
City/Town: Birmingham
Postal Code: B12 9RG
Street Address: 3-5 St George’s Rd
Country: England, UK
47. DLG Insurance
City/Town: Newcastle
Postal Code: NE3 5PA
Street Address: 5th Floor, The Waterfront
Country: England, UK
48. Zurich Municipal Insurance
City/Town: London
Postal Code: EC3R 5BU
Street Address: 1 Tower Place West
Country: England, UK
49. LV= General Insurance
City/Town: London
Postal Code: EC3M 4BS
Street Address: 4th Floor, 71 Fenchurch Street
Country: England, UK
50. Bupa Global Insurance
City/Town: London
Postal Code: EC3M 4AL
Street Address: 1 Fenchurch Street
Country: England, UK
The insurance sector in England is a key component of the country’s financial system, providing individuals, families, and businesses with essential protection against risks, while also offering financial security. The UK insurance market is diverse, offering a wide range of insurance products including life insurance, health insurance, car insurance, home insurance, and business insurance. The insurance providers in England range from large multinational corporations to smaller, more specialized firms. These companies are regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), ensuring that they operate in a manner that protects consumers and maintains the stability of the financial market.
This overview explores the structure of the insurance industry in England, the types of insurance products available, some of the leading insurance providers, and the regulatory environment governing the sector.
Types of Insurance Available in England
The UK insurance market offers a broad range of policies to meet the diverse needs of individuals and businesses. Some of the most common types of insurance include:
- Life Insurance Life insurance provides financial protection for loved ones in the event of the policyholder’s death. There are various types of life insurance, including:
- Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years).
- Whole Life Insurance: Offers lifelong coverage with a death benefit paid out to beneficiaries upon the policyholder’s death.
- Over-50s Life Insurance: Aimed at individuals aged 50 and above, offering guaranteed coverage regardless of health.
- Health Insurance Private health insurance covers the costs of medical treatment, such as hospital stays, surgery, and consultations, that would otherwise be covered by the National Health Service (NHS). Policies may vary in terms of coverage, from basic plans that cover only essential treatment to comprehensive plans that include additional services like dental and optical care.
- Car Insurance Car insurance is a mandatory requirement for all drivers in the UK. There are three primary types of car insurance:
- Third-Party Insurance: Covers damages to other vehicles or property in the event of an accident.
- Third-Party, Fire, and Theft: Includes the coverage of third-party damages along with protection against fire and theft.
- Comprehensive Insurance: Provides the highest level of protection, covering both third-party damages and damages to the policyholder’s own vehicle.
- Home Insurance Home insurance typically covers damage to a property caused by fire, flooding, theft, or other unforeseen events. It can be divided into two main types:
- Buildings Insurance: Covers the structure of the home, including the walls, roof, and foundation.
- Contents Insurance: Covers personal belongings within the home, such as furniture, electronics, and clothing.
- Business Insurance Business insurance is essential for companies of all sizes, offering coverage against risks such as property damage, liability claims, and employee-related risks. Common types of business insurance include:
- Public Liability Insurance: Covers claims made by the public for injuries or property damage caused by the business.
- Employer’s Liability Insurance: Legal requirement for businesses with employees, covering claims from workers who are injured or fall ill as a result of their work.
- Professional Indemnity Insurance: Protects businesses offering professional services against claims of negligence, mistakes, or omissions.
- Property Insurance: Protects business premises and assets from damage or loss.
- Travel Insurance Travel insurance provides protection against risks encountered while traveling, such as trip cancellations, medical emergencies, or lost luggage. Policies may vary depending on the type of travel (e.g., domestic, international, or adventure travel).
- Pet Insurance Pet insurance covers veterinary expenses in case of illness, injury, or accidents involving pets. It can also cover liability for damages caused by pets.
- Income Protection Insurance This type of insurance provides income replacement in the event that the policyholder is unable to work due to illness or injury. It is particularly useful for self-employed individuals or those without sick pay.
Leading Insurance Providers in England
- Aviva Aviva is one of the largest insurance providers in the UK, offering a wide range of products, including life insurance, health insurance, car insurance, home insurance, and business insurance. With a strong history and a large customer base, Aviva is known for its comprehensive coverage options and reliable customer service.
- Direct Line Direct Line is one of the leading insurers in the UK, particularly known for its competitive prices on car insurance, home insurance, and travel insurance. Direct Line was one of the first UK insurers to sell directly to customers via phone and online, cutting out the middleman.
- AXA AXA is a global insurance company with a significant presence in the UK. It offers a broad spectrum of insurance products, including motor insurance, health insurance, life insurance, and business insurance. AXA is known for its robust customer service and efficient claims process.
- Saga Saga specializes in products tailored to the over-50s market, offering life insurance, car insurance, home insurance, travel insurance, and health insurance. Saga’s services are specifically designed to meet the needs of older customers, with flexible policies and personalized coverage options.
- Lloyds Banking Group Lloyds, one of the largest banking groups in the UK, also provides a wide range of insurance products. Lloyds offers car insurance, home insurance, and life insurance through various subsidiaries such as Lloyds Bank Insurance and The Halifax.
- Churchill Insurance Churchill, a subsidiary of Direct Line Group, is well-known for offering affordable car insurance, home insurance, and travel insurance. The company is recognized for its humorous marketing campaigns and customer-friendly service.
- NFU Mutual NFU Mutual is a mutual insurance company that offers a variety of personal and business insurance products, including farm insurance, car insurance, home insurance, and business insurance. As a mutual insurer, NFU Mutual is owned by its policyholders, and it is known for its strong customer service and community-focused ethos.
- Tesco Bank Tesco Bank, part of the Tesco supermarket chain, provides a range of insurance products, including car insurance, home insurance, and life insurance. Tesco Bank is popular for offering competitive rates and customer loyalty schemes through the Tesco Clubcard.
- RSA Insurance Group RSA (Royal & Sun Alliance) is one of the oldest and largest general insurers in the UK. RSA offers a wide range of products, including home, motor, and commercial insurance, and is known for its expertise in business insurance.
- Zurich Insurance Group Zurich is a global insurer that provides a variety of products in the UK, including life insurance, motor insurance, home insurance, and business insurance. It is recognized for its commitment to sustainability and customer satisfaction.
Regulatory Environment
The insurance sector in England is regulated to ensure that consumers are protected and that insurers remain financially sound. Key regulatory bodies include:
- Financial Conduct Authority (FCA): The FCA is responsible for regulating insurance firms to ensure that they treat customers fairly, uphold high standards of conduct, and comply with legal requirements.
- Prudential Regulation Authority (PRA): The PRA, part of the Bank of England, is responsible for ensuring that insurers maintain adequate financial reserves to meet their obligations to policyholders.
- The Association of British Insurers (ABI): The ABI is a trade association that represents the UK’s insurance and long-term savings industry. It provides guidance and support to insurance companies and helps shape industry standards and policies.
The Role of Insurance Providers in the UK Economy
Insurance providers in England play an essential role in the national economy by offering financial protection against risks, which helps individuals and businesses recover from losses, reduces the financial burden of unforeseen events, and contributes to economic stability. The insurance sector also supports other sectors by underwriting risks in areas such as construction, transportation, and healthcare.
The financial protection provided by insurance allows businesses to innovate and expand without fear of catastrophic losses, while individuals can have peace of mind knowing that they have coverage in case of emergencies.
Conclusion
The insurance industry in England is diverse, offering a wide array of products to meet the needs of individuals, families, and businesses. From life and health insurance to home, car, and business coverage, the UK’s insurance providers offer comprehensive solutions that are crucial for mitigating risks and maintaining financial security. The sector is well-regulated to ensure consumer protection and maintain industry standards, and leading providers like Aviva, AXA, and Direct Line continue to shape the market with competitive products and services. The role of insurance providers in the UK economy is indispensable, contributing to both personal financial protection and broader economic stability.